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bad news santander declined me
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also the other thing was if i was advised in right way i could have done a joint app with my wife as she is employed in same business making 8400pa
that wud have helped a bit if it was multiples issue0 -
Joint application would help, if she has a clean credit history, yes.
It's probably just a bit too much for Nationwide, IMHO, but joint is may sneak in. Try the affordability calculator and see.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
why wasnt your wife put on the application?Trainee Building Surveyor
DIP 12/02/13 - Mortgage application 13/02/13 - Valuation 14/02/13 - Valuation OK 22/02/13 - Mortgage offered 05/03/2013 - Completion 22/03/2013
FINALLY IN MY FIRST HOME!!! WAHOOOOOOO! :beer:0 -
they said my income was income according to calc so said its not needed
:-(
her credit history is clean but limited
as in just 1 current account since 4 years and 1 phone line in her name since last 5 months0 -
Is she your secretary and a % owner? If so it could help but treated as self emp also.0
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she is working in as an employee0
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Sounds like a cowboy advisor, if married, the default should be to put in joint names, with her income you would probably be ok.I am a mortgage adviser.You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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I don't think Wh05apk meant "default" as in "unpaid debt" but "default" as in "typical thing to do". I'd agree. Obviously the mortgage needs to be in the name(s) of who is buying the house, but you would imagine that would be the couple jointly without good reason.0
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